VP/Commercial Lending Officer

Theharborbank; Baltimore (MD); On-site; USD 100,000 - 140,000; Full time

Job summary

The Harbor Bank of Maryland is seeking a VP/Commercial Lending Officer in Baltimore, MD to lead commercial lending activities, manage loan portfolios, and foster strong client relationships at the bank. This role emphasizes profitability with minimum risk and active participation in loan decisions.

Ideal candidates will have extensive experience in structuring and closing commercial loans within regulatory guidelines, plus a proven ability to grow and manage high-value portfolios and cross-sell

Qualifications

• Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or related field.
• 5–7 years of progressive experience in commercial lending or credit analysis within a financial institution.
• Proven track record of structuring, negotiating, and closing commercial loans in compliance with regulatory policies.
• Experience in managing a commercial loan portfolio with focus on asset quality and risk mitigation.

Responsibilities

• Interviews loan applicants and analyzes financial data to determine general creditworthiness.
• Underwrites loans and negotiates terms, including collateral requirements.
• Collects and analyzes information reflecting current creditworthiness and loan merits.
• Monitors loan repayments and takes action to collect past-due accounts.
• Develops new business by contacting prospects and cross-selling bank services.
• Participates on the loan committee and provides assessments.
• Engages in community affairs to raise the bank’s visibility and opportunities.
• Undertakes special projects in the lending department as assigned by Senior Lender.
• Ensures compliance with regulations and required training.

Skills

Networking

Credit analysis

Negotiation

Communication

Regulatory compliance

Relationship building

Education

Bachelor's degree in Business Administration, Finance, Accounting, Economics, or related field

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Baltimore, MD, US

Salary Range: $100,000.00 To $140,000.00 Annually

Job Title: VP/CommercialLending Officer
Location: Baltimore, MD
Reports To: SEVP/Chief Banking Officer
Department: Lending
Type/Status Full-Time/Exempt

Position Overview:

The Commercial Lending Officer plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. The Commercial Lending Officer will developandmanagecommercialloanaccountsthatmeetestablishedlendingrequirementsandprovide maximum profitability to the Bank at minimum risk. They are responsible for establishing and maintaining relationships with customers and developing referral networks in an attempt to identify new commercial loan opportunities.

Key Responsibilities:

• Interviewsloanapplicants, collectsandanalyzefinancialandrelateddatatodeterminethe general creditworthiness of the prospect and the merits of the specific loan request.
• Underwritesloans,establishes,andnegotiateswherenecessary,termsunderwhichcreditwillbe extended, including the costs, repayment method, and schedule and collateral requirements.
• Collects and analyzes information that reflects the current creditworthiness of customers and the currentmeritsofexistingloans.Mayobtaininformationthroughdirectinspectionoftheapplicant’s businessand/orcollateral,reviewofinterimfinancialreports,personalinterview,andothermeans.
• Monitorsloanrepaymentactivitiesandtakenecessaryactiontocollectfrompast-dueaccounts.
• Developnewbusinessbycontactingprospectsandcustomers,cross-sellsBankservices.
• Servesasa memberofthe loancommittee,whichmakespreliminaryevaluationsofloanrequests.
• ParticipatesincommunityaffairstoincreasetheBank’svisibilityandtoenhancenewbusiness opportunities. These include Chamber Events and other events.
• UndertakesspecialprojectsrelatingtodepartmentalservicesasassignedbySeniorLender.
• Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training.

Skills and Abilities:

• Possess the ability to effectively network and work with various businesses, civic, social organizations and centers of influence to contribute to attaining the ongoing goals of the Bank.
• A thorough knowledge of commercial lending criteria and the business objectives of the lending department.
• Displays a thorough knowledge of HBM’s credit analysis and underwriting guidelines.
• Good interpersonal, verbal, written, and presentation skills to represent the Bank and effectively negotiate/present commercial lending deals to borrowers, and board/committee members.
• The flexibility to work irregular hours when inspecting and evaluating prospective deals.
• Completionofaformalizedcredittrainingprogram.

Qualifications:

Required:

• Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field.
• 5-7 years of progressive experience in commercial lending, credit analysis, or portfolio management within a financial institution.
• Proven track record of structuring, negotiating, and closing commercial loans while adhering to regulatory requirements and internal credit policies.
• Experience in managing a commercial loan portfolio with a focus on asset quality and risk mitigation.

Preferred:

• 7-10 years of commercial lending experience , with a demonstrated ability to grow and manage a high-performing portfolio of commercial clients.
• Prior experience leading large and/or complex commercial transactions, including CRE (Commercial Real Estate) and C&I (Commercial & Industrial) loan types.
• Background in developing business development strategies and managing relationships with high-net-worth individuals, business owners, and key community leaders.